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LCHorn

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Everything posted by LCHorn

  1. Whoever coined “ladybug” for Lindsay Graham deserves applause and it’s probably in line with kitty cat as an insult.
  2. So I've decided to do this on my own after using Protax for years. My wife works for Google and one of her colleagues built this for generating values: Protesting Property Taxes I'm a mortgage lender and have reviewed thousands of appraisals so I'm at least informed enough to get myself in trouble. That said, the report they've (on that website) provided is pretty interesting and at this point I'd recommend it (I'm protesting values on three properties and if lose any of these it'll be the last time I'm so foolhardy). At least on our primary they included sales comps going back 12 months and appeared to highly prioritize proximity over transaction age. That said, I'd really like to see the CAD's evidence in rebuttal because I really think they just threw a dart at wall.
  3. I thought about including this in my response to CTJ, but I'm actually a little more optimistic than him that Manning doesn't immediately transfer if he's behind Murphy in the fall of '24. That said, I don't think he's going to be advised to back-up Murphy more than a year and that's the best case scenario if he's not named the starter (in other words, if Murphy is first string but not a great NFL candidate and wants to return for the 2025 season I would agree that Manning is gone). Bear in mind this is a little tea leaf reading but also sourced from personal networks unrelated to football so maybe a little differently sourced than what might come from the coaching underground/recruiting websites. From what I've been told, he's not David Ash but Manning very much wants the experience of being a college student at Texas specifically and if football wasn't a consideration he'd probably still have chosen to come here for undergrad.
  4. If I might quibble with one point, it's the sequence of your events: Spring 2024--Ewers declares early Fall 2024--Sarkisian is going to wait until the last moment to name a starter and that's going to make it hard for Murphy to evaluate transfer options due to lack of time. If he leaves, Sark's back-up QB is a true freshman that's a developmental prospect or Charles Wright has been persuaded to stick around (I think it's more likely HE goes as a graduate transfer). I think your argument for Murphy staying in 2023 holds through 2024 and if he's a back-up to Manning he'll transfer over the winter break with three years of eligibility remaining.
  5. A friend has a condo in Austin and just had a successful protest to drop the value 39%. That wasn’t decided at a hearing, btw-that was the offer once it comps (easy to get with condos) were provided. I’m just stupefied that they would set the value so high and then concede they did so with relatively little push back. I’m not generally one to presume the systems of government are broken but something is massively wrong with how we’ve decided to fund our local governments when the main mechanism to determine revenue generation forces you to go through an unfamiliar and uncomfortable (and possibly expensive if you hire someone) bureaucratic process.
  6. I feel like we Texans need to get our shit together before we cry too much about Manchin or anyone’s Senators. It’s not just that we keep electing Republicans to state-wide offices, it’s that ours appear to be particularly reprehensible.
  7. I've been wondering the same thing re: Brumbaugh. He seemed like a great developmental candidate.
  8. IT didn’t out him but I think that was the general consensus, anyway. He seems a little high maintenance, particularly so for an O-lineman. Also, maybe over-reading the tea leaves but perhaps he’s disappointed his brother isn’t higher sought.
  9. I've never, ever heard of this show. Is it on a weird channel or platform like Freeform or Shudder or something?
  10. Haha, I spent about five seconds after I posted that wondering if it was another Great Lakes state and then decided they are all varying levels of crappy. The only reason to build big there is to make your childhood friends who didn't leave the area jealous. There's just no reason to not live in Southern California if you have that kind of money. Or Paris, Mexico City, NYC, etc...
  11. What kind of Philistine has the money to build that much house and chooses to live in Michigan?!?!??
  12. No, it’s real but the additional cost for someone with good credit is small. We’re not really complaining about it because a) we’re more concerned about fighting the pricing adjustment they want to institute for DTI’s above 45% and b) these adjustments are all small stuff compared to 6% interest rates. Who is really getting fucked, relative to previous LLPA’s, are those looking to refinance. That’s not an issue right now but it’s going to mean buyers today have to wait even longer in an improving rate environment before a refinance makes sense.
  13. This is going to be somewhat tonally in keeping with @blacklab's Sweet Hereafter pick, but I'll nominate Never Let Me Go. I don't know that I would call it "fucked up", but I also don't know that I wouldn't--it's definitely haunting and I never want to re-watch it despite it being 100% violence and gore free. Partly I don't need to re-watch it because too much of it seems stuck in my head. What might make it fucked up would be to spoil the film but it's an Alex Garland screenplay adapting from a Kazuo Ishiguro story (so somewhat science fiction meets British dystopia) and Andrew Garfield's performance was the best thing I saw in 2010.
  14. Very good pick Yeah, the op wasn’t asking “what’s the most fucked up movie you’ve seen,” which has been covered here annually, anyway.
  15. I thought @closetojumpingwas from Pasadena or Deer park or some place where the working man takes pride in his copper Camaro and in living apart from the well-to-do preppies of Clear Lake.
  16. Echoing Neon, this is a really great product fit for what you describe. I used to love doing them two banks and six years ago because there’s a lot of process involved so an LO gets to really know the borrower and their project. Plus, before Covid and GC costs went nuts you could possibly get some cheap equity out of it. Additionally, the bank will hammer the contractor if they aren’t accountable or miss deadlines on the draw schedule—12 months into a personal remodel and I’d love to have some additional personal leverage on our GC.
  17. Seriously, I’m looking at the other houses in our cul de sac and down the street and we are appreciating 5 times as much according to the county. Hopefully that makes it easy to protest the value.
  18. Our primary’s value up 19%, next door neighbor is up 3%. I’m really unclear how they arrive at these results.
  19. Damn, one of our rent houses went up 25%, that’s bananas based on aggregate market data.
  20. What about the performance of Democrats in statewide elections over the past decade makes you think the missing ingredient is a Dem that's just a little more conservative? Unless you're talking about Obama level charisma (which is a fantasy), there's going to need to be someone like the Texas Trial Lawyer's Association stepping up to fund grassroots candidate development and use the city mayors as a stepping stone toward state office and not a retirement job for the Watson's, Turner's, and SLJ's. And frankly, that's how politics really should work--someone who has municipal experience and shined getting promoted, not someone with a radio show getting elected to the state's most powerful office.
  21. Question for the experts--I just had my glass media changed on my sand filter and presumed I'd be able to recycle it (I'm in Austin) and that appears incorrect. Now I have 500 pounds of tiny pieces of glass in my recycle bin--what do I do with this? Should I try to get it recycled elsewhere (smaller batches, this thing is too heavy to lift anywhere), demand the pool tech come back and take it, etc.? It's too heavy to put in the trash can, too, and I can't imagine good for the environment if I tried to dig a hole or something redneck.
  22. I've had it done twice on my left knee, the first following meniscus repair surgery as part of the surgical plan and the second about a year or two after. Both resulted in less pain than my previous knee surgery (I've had two now, thanks USMC for the wear and tear). My orthopedist said he's very much a fan and it's common practice to use PRP instead of cortisone injections now. $500 was the price I paid both times, neither was covered by insurance although we fought the insurance company about it on the first one.
  23. Well, I'll say this @Gravy Train, you have very interesting observations even if they appear to be somewhat obstinately misreading the mechanics of how the property market works. Perhaps we're trying to self-sooth with these kinds of hopes, but those of us in the industry think rates coming back down into the 5's and staying there is going to provide a psychological boost to the buyers needing to make a move. If that happens it's not going to deflate your presumed bubble, it's just going to lock in what you categorize as a $200K premium further. I suppose you can throw up your hands and complain about how stupid they are but there's 50 years of homeownership data supporting a conclusion it'll end up working out for them. I don't know where you're located but I'll add we'll likely need significant job losses, outflow of residents leaving the state, or both, to result in your desired outcome. Both are the kinds of policy results that get elites fired or replaced while high property values are mostly just fucking over those who haven't got in yet.
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